<ARTICLE>                                            9

                             
<PERIOD-TYPE>                  3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               MAR-31-2000
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<SECURITIES-GAINS>                                     0
<EXPENSE-OTHER>                                  (21,092)
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<CHANGES>                                              0
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<EPS-BASIC>                                         0.48
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<YIELD-ACTUAL>                                      3.82
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<LOANS-PAST>                                           0
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